Land lending has its own rulebook: lenders cap block sizes (commonly up to 2.2 hectares for standard lending), reduce maximum LVRs on vacant land, and some want evidence you intend to build within a set period. House-and-land packages add a second layer — the land settles first on a land loan, then the build is funded through construction stages with progress payments to your builder. Getting the structure right upfront (one lender for both parts, correct valuations, first home buyer grants for new builds) saves weeks of friction. This is bread-and-butter work for us across Western Sydney's growth corridors — Austral, Leppington, Box Hill, Marsden Park and beyond.
Common Challenges
What's Included
Our Process
Why Choose Wiseman Financial?
Frequently asked questions
How much deposit do I need for vacant land?
Commonly 10–20%. Some lenders lend to 95% on land with LMI; others cap at 80–90%. Block size matters — standard residential blocks get the best terms, larger acreage reduces maximum LVR.
Do I have to build within a certain time?
Some lenders require construction to commence within 12–24 months of land settlement; genuine land-banking needs specific lenders. Tell us your timeline and we'll match the policy.
How do house-and-land package loans work?
Two contracts — land purchase and a fixed-price build. The land settles first; the build is then funded in five progress stages (slab, frame, lockup, fitout, completion), with interest only on amounts drawn.
Do first home buyers get benefits on house-and-land?
Yes — new builds attract the $10,000 NSW First Home Owner Grant, and stamp duty is assessed on the land value only (often under the $350,000 exemption threshold), which can make packages dramatically cheaper in duty than established homes.
What about buying unregistered land?
Common in new estates — you exchange now and settle when the land registers, which can be months away. We time your finance approval around expected registration and watch sunset clause dates.
Ready for Land & House-and-Land Finance?
Free consultation, no broker fees.